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PROTECTION PLAN TERMS AND CONDITIONS - REAL ESTATE BUYERThroughout this Agreement (“Agreement,” “plan” or “contract”) the words“We”, “Us” and “Our” refer to American Global Obligors, Inc., 90 WashingtonValley Road, Bedminster, NJ 07102, the Obligor of this Agreement, except inAlabama, Arkansas, Arizona, Florida, Georgia, Hawaii, Illinois, Iowa, Kentucky,Louisiana, Massachusetts, Minnesota, Nevada, New Mexico, New York,Oklahoma, South Carolina, Texas, Utah, Vermont, Virginia, and Washington,D.C. In Alabama, the company obligated under this Agreement is HomeWarranty Administrator of Alabama, Inc. (HWA-AL). In Arizona, the companyobligated under this Agreement is Home Warranty Administrator of Arizona, Inc.(HWA-AZ). In Arkansas, the company obligated under this Agreement is HomeWarranty Administrator of Arkansas, Inc. (HWA-AR). In Florida, the companyobligated under this Agreement is Home Warranty Administrator of Florida,Inc. (HWA-FL). In Georgia, the company obligated under this Agreement isChoice Home Warranty, 2147 Route 27 South, Suite 400, Edison, NJ 08817.In Hawaii, the company obligated under this Agreement is Home WarrantyAdministrator of Hawaii, Inc. (HWA-HI). In Illinois, the company obligatedunder this Agreement is Home Warranty Administrator of Illinois, Inc. (HWAIL). In Iowa, the Company obligated under this Agreement is Home WarrantyAdministrator of Iowa, Inc. (HWA-IA). In Kentucky, the company obligatedunder this Agreement is HWA. In Louisiana, the company obligated underthis Agreement is DMM Results of LA, Inc. (DMM-LA). In Massachusetts, thecompany obligated under this Agreement is Home Warranty Administrator ofMassachusetts, Inc. (HWA-MA). In Minnesota, the company obligated underthis Agreement is Home Warranty Administrator of Minnesota, Inc. (HWA-MN).In Nevada, the company obligated under this Agreement is Home WarrantyAdministrator of Nevada, Inc. (HWA-NV). In New Hampshire, the companyobligated under this Agreement is Home Warranty Administrator of NewHampshire, Inc. (HWA-NH). In New Mexico, the company obligated under thisAgreement is Home Warranty Administrator of New Mexico, Inc. (HWA-NM). InNew York, the company obligated under this Agreement is DMM Results of NY,Inc. (DMM-NY). In Oklahoma, the company obligated under this Agreement isHome Warranty Administrator of Oklahoma, Inc. (HWA-OK). In South Carolina,the company obligated under this Agreement is Home Warranty Administratorof South Carolina, Inc. (HWA-SC). In Texas, the company obligated underthis Agreement is HWAT, Inc. dba Home Warranty Administrators (HWA-TX).In Utah, the company obligated under this Agreement is Home WarrantyAdministrator of Utah, Inc. dba Choice Home Warranty (HWA-UT). In Vermont,the company obligated under this Agreement is Home Warranty Administratorof Vermont, Inc. (HWA-VT). In Virginia, the company obligated under thisAgreement is HWA of VA, Inc. (HWA-VA). In Washington D.C., the companyobligated under this Agreement is Home Warranty Administrator of DC, Inc.(HWA-DC). In Wyoming, the company obligated under this Agreement is HomeWarranty Administrator of Wyoming, Inc. (HWA-WY). HWA, HWA-AL, HWA-AZ,HWA-FL, HWA-HI, HWA-IL, HWA-IA, HWA-MA, HWA-MN, HWA-NH, HWA-NV,HWA-NM, HWA-OK, HWA-SC, HWA-TX, HWA-UT, HWA-VA, HWA-VT, HWA-DC,HWA-WI, and HWA-WY are located at 90 Washington Valley Road, Bedminster,NJ 07921. DMM-NY and DMM-LA are located at 1 Gateway Center, Ste. 2600,Newark, NJ 07102. Warranty Administration Services, Inc., 90 WashingtonValley Road, Bedminster, NJ 07921 (WASI) is the administrator of this contract.A. COVERAGEDuring the coverage period, Our sole responsibility will be to arrange for aqualified service contractor (“Service Provider”) to repair or replace, at Ourexpense (up to the limits set forth below), the systems and componentsmentioned as “Included” in accordance with the terms and conditions of thiscontract so long as such systems and components:1. Are located inside the confines of the main foundation of the home orattached or detached garage (with the exception of the exterior pool/spa, wellpump, septic tank pumping and air conditioner); and2. Become inoperative due to normal wear and tear; and3. Are in place and in proper working order on the effective date of this homewarranty contract. This Contract provides coverage for unknown/undetectablepre-existing conditions so long as the malfunction could not, or would not,have been detected by a visual inspection or simple mechanical test.4. It is understood that WE ARE NOT A SERVICE PROVIDER and are notOurselves repairing or replacing any such systems or components. Thiscontract covers single-family homes (including manufactured homes), newconstruction homes, condominiums, townhomes, and mobile homes under5,000 square feet, unless an alternative dwelling type (i.e. above 5,000 squarefeet or multi-unit home) is applied, and appropriate fee is paid. Coverage isfor occupied, owned or rented residential property, not commercial property or3residences used as businesses, including, but not limited to, day care centers,fraternity/sorority houses, and nursing/care homes. This contract describes thebasic coverage and options available. Coverage is subject to limitations andconditions specified in this contract. Please read Your contract carefully.NOTE: This is not a contract of insurance.B. COVERAGE PERIOD1. Home Buyer’s Coverage: Coverage under this contract is only available fora home buyer, not a home seller. Coverage is normally effective upon close ofsale for a one-year term. Your contract effective date and term may vary. Thecontract fee must be received within 14 days after close of sale. If You takepossession prior to close of sale (or obtain possession through rental or leaseagreement), the contract fee is due upon occupancy and coverage will beginupon receipt of the contract fee by Us. We offer a 30-day grace period from theclose of sale during which You may add Optional Coverage.2. Home Seller’s Coverage: Seller’s coverage is available only in conjunctionwith the purchase of coverage for the Home Buyer. Coverage becomes effectivethe day the application is received by Us, and continues until the expiration ofthe initial listing period (up to 180 days), close of sale, or listing termination;whichever occurs first. Should close of sale not occur within the 180-dayperiod, We may, at Our sole discretion, extend the seller’s coverage periodupon request. Optional coverage for the HVAC units may only be addedor removed within the first 24 hours of the initial order being placed. Preexisting conditions are not covered for the Home Seller. LIMITATIONS:OUR OBLIGATION UNDER SELLER’S COVERAGE IS LIMITED TO 3,000 IN THEAGGREGATE DURING THE COVERAGE PERIOD, SUBJECT TO THE FURTHERLIMITATIONS SET FORTH HEREIN.3. Homes Not Going Through a Real Estate Transaction: Coverage starts 30days after acceptance of application by Us and receipt of applicable contractfee and continues for 365 days from that date. Your coverage may begin before30 days if We receive proof of prior coverage, showing no lapse of coverage,through another carrier within 15 days of the order date. Please call for a quote.Pre-existing conditions are not covered for homes not going through a realestate transaction.4. Your contract term (the dates that Your contract is in effect), Your contractfee, Your Service Fee, and Your equipment, systems, and appliances coveredunder this contract, are set forth in Your Coverage Details. Your contract fee isdue and payable as Your Coverage Details specify, and Your Service Fee is dueand payable upon a request for service as described in Section C (4) below.Additional costs may apply in accordance with other sections of this contract.C. SERVICE CALLS – TO REQUEST SERVICE:Online at www.ChoiceHomeWarranty.com or 1-888-275-29801. You or Your agent (including tenant) must notify Us for work to be performedunder this contract as soon as the problem is discovered. We will acceptservice calls 24 hours a day, 7 days a week, 365 days a year at1-888-275-2980 and/or via our website. Notice of any malfunction mustbe given to Us prior to expiration of this contract.2. Upon request for service, We will contact an authorized Service Provider.The authorized Service Provider will contact You to schedule a mutuallyconvenient appointment during normal business hours. We will determine whatrepairs constitute an emergency and will make reasonable efforts to expediteemergency service. If You should request that We perform nonemergencyservice outside of normal business hours, You will be responsible for paymentof additional fees and/or overtime charges.3. We have the sole and absolute right to select the Service Provider to performthe service; and We will not reimburse for services performed without priorapproval.4. You will pay a trade service call fee (“Service Fee”) per claim of up to 65.00 or the actual cost, whichever is less, as specified in Your CoverageDetails. The Service Fee is for each visit by Our approved Service Provider,except as noted in Section C (5), and is payable to Our approved ServiceProvider at the time of each visit. The Service Fee applies to each calldispatched and scheduled, including but not limited to those calls whereincoverage is included, excluded, or denied. The Service Fee also applies in theevent You fail to be present at a scheduled time, or in the event You cancel aservice call at the time a Service Provider is in route to Your home or at Yourhome. Failure to pay the Service Fee will result in suspension or cancellationof coverage until such time as the proper Service Fee is paid. At that time,coverage may be reinstated; however, the contract period will not be extended.Toll Free: 888-275-2980NA RE 07-2020

5. If service work performed under this contract should fail, then We will makethe necessary repairs without an additional trade service call fee for a period of90 days on parts and 30 days on labor.D. COVERAGE (COVERAGE DEPENDENT ON PLAN)1. CLOTHES DRYERINCLUDED: All components and parts, except:EXCLUDED: Noise - Venting - Lint screens - Knobs and dials - Doors - Doorseals - Hinges - Glass - Leveling and balancing - Damage to clothing.2. CLOTHES WASHERINCLUDED: All components and parts, except:EXCLUDED: Noise - Plastic mini-tubs - Soap dispensers - Filter screens - Knobsand dials - Door seals - Hinges - Glass - Leveling and balancing - Damage toclothing.3. KITCHEN REFRIGERATORNOTE: Must be located in the kitchen.INCLUDED: All components and parts, including integral freezer unit, except:EXCLUDED: Racks - Shelves - Lighting and handles - Freon - Line restrictions Interior thermal shells - Freezers which are not an integral part of the refrigerator- Wine coolers or mini refrigerators - Food spoilage - Doors - Door seals andgaskets - Hinges - Glass - Audio/ Visual equipment and internet connectioncomponents.4. AIR CONDITIONING/COOLERNOTE: Not exceeding 5 (five) ton capacity and designed for residential use.INCLUDED: Ducted electric central air conditioning and ducted electric wallair conditioning, including heat pumps. Condenser (including compressor)- Evaporator coil (including thermal expansion valves) - Air handler Thermostats - Primary Drain Pans - Refrigerant recharging - Accessiblerefrigerant lines, leaks and stoppages in accessible condensate drain lines.All components and parts, for units below current SEER and/or compliancestandards will be repaired/replaced with current SEER and/or compliancestandards when We are unable to facilitate repair/replacement of failed coveredequipment at the current SEER rating except:EXCLUDED: Gas air conditioning systems - Condenser casings - Registers andGrills - Filters - Line dryers and filters - Electronic air cleaners - Window units- Non-ducted wall units - Water towers - Humidifiers - Improperly sized units- Chillers - All exterior condensing, cooling and pump pads - Roof mounts,jacks, stands or supports - Condensate pumps - Commercial grade equipment- Cost for crane rentals - Air conditioning with mismatched condensing unitand evaporative coil per manufacturer specifications - Improper use of meteringdevices - Leak detections - Water leaks - Maintenance - Noise. We are notresponsible for the costs associated with matching dimensions, brand or colormade. We will not pay for any modifications necessitated by the repair ofexisting equipment or the installation of new equipment.5. HEATING SYSTEM OR BUILT-IN WALL UNITNOTE: Main source of heat to home not to exceed 5 (five) ton capacity anddesigned for residential use.INCLUDED: All components and parts necessary for the operation of the heatingsystem, including auxiliary heat strips for heat pump systems. Units belowcurrent SEER and/or compliance standards will be repaired/replaced withequipment compliant to current SEER and/or compliance standards (or higher),except:EXCLUDED: All components and parts relating to geothermal, water source heatpumps including: outside or underground piping, components for geothermaland/or water source heat pumps, redrilling of wells for geothermal and/or watersource heat pumps, and well pump and well pump components for geothermaland/or water source heat pumps (unless optional coverage is purchased).Access - Radiators and their valves - Baseboard casings - Radiant heating Dampers - Valves - Fuel storage tanks - Portable units - Solar heating systems- Fireplaces and key valves - Filters - Line dryers and filters - Oil filters, nozzles,or strainers - Registers - Backflow preventers - Evaporator coil pan - Primary orsecondary drain pans - Grills - Clocks - Timers - Add-ons for zoned systems Heat lamps - Humidifiers - Flues and vents - Improperly sized heating systems- Mismatched systems - Chimneys - Pellet stoves - Cable heat (in ceiling) Wood stoves (even if only source of heating) - Calcium build-up - Maintenance.NOTE: We will pay no more than 1,500 per covered item per contract term foraccess, diagnosis and repair or replacement of any glycol, hot water, or steamcirculating heating systems.NA RE 07-20206. DUCTWORKINCLUDED: Duct from heating unit to point of attachment at registers or grills,except:EXCLUDED: Registers and grills - Insulation - Asbestos-insulated ductwork Vents, flues and breaching - Ductwork exposed to outside elements - Improperlysized ductwork - Separation due to settlement and/or lack of support - Dampermotors - Diagnostic testing of, or locating leaks to ductwork, including butnot limited to, as required by any federal, state or local law, ordinance orregulation, or when required due to the installation or replacement of systemequipment. We will provide access to ductwork through unobstructed walls,ceilings or floors, only, and will return the access opening to rough finishcondition. With respect to concrete covered, embedded, encased, or otherwiseinaccessible ductwork, We will pay no more than 500 per contract term foraccess, diagnosis and repair or replacement. Our authorized Service Providerwill close the access opening and return to a rough finish condition, subject tothe 500 limit indicated. We shall not be responsible fo

Choice Home Warranty, 2147 Route 27 South, Suite 400, Edison, NJ 08817. In Hawaii, the company obligated under this Agreement is Home Warranty Administrator of Hawaii, Inc. (HWA-HI). In Illinois, the company obligated under this Agreement is Home Wa